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TIFU: Getting 3 MRIs when I thought I was covered by Health Insurance

So I have chronic pain in my shoulder in arm that I have been getting physiotherapy on. After two sessions my physio basically said that my arm is so messed up that he doesn't know what the issue is and said he'd refer me for 3 MRIs. He asked where I was covered with my Health Insurance and having checked it recently, I listed out the places I remembered.

I get the MRIs done and on the call they asked if I was covered. I said yes and was told that my insurance doesn't do direct settlement with the clinic so I would need to claim it later but that the cost would be €810 for the 3 scans. It's a lot of money but I think to myself that this is the first clinic to get back to me and I'll be able to get this sorted quickly and get the money back. Although it pains me to spend it, I'm lucky enough that I'll be able to get by until the money gets back into my account.

Anyway, today I went to put the claim in and I discovered that I must have misread the eligible clinics list because the clinic is not listed. So it looks like I just spent €810 on 3 mri scans when there were 3 other clinics within a 20minute drive where I could have gotten it done for free. Thankfully, this won't break me financially but I will feel it with my wedding fast approaching and I'm currently trying to save for a house.

TL;DR: Misread my insurance policy and thought I was covered for scans at a clinic. Instead spent over €800 when it would have been free at 3 other clinics near to me.

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